Thanks for the additional info -- actual specifics help.
I have to say that these two statements:
1. All of the attorneys that have spoken in our class have repeated that they are not pre-paid legal and are in fact on retainer.
A. What is Covered, ALL charges for fees for attorney time in connection with the Firm's representaion of Client in any criminal procedure in the Sate of Texas arising from the client's use of his or her handgun.
are not logically reconcilable in my mind unless "pre-paid" and "retainer" mean something very different from what I think they do. The term "Micro-Retainer" is also troublesome. If you get all your lawyer time paid for with the $120/year premium, then it seems to me it is "pre-paid" regardless of what they said in the class (and that would be troublesome also). If they are claiming it is a retainer because you have to pay extra for expert witnesses and all that, that seems a little...indirect.
This sentence also makes me wonder:
Client hereby employs and retains the Firm for representaion and the Firm hereby accepts this employement, for the limited purpose set out in the contract.
Are you required to use the TLS attorney if you get coverage from TLS? Are you required to use the TLS attorney exclusively? I doubt any attorney wants his client bringing in other attorneys on his own, but if you decide your attorney is a dolt, are you free to give him the boot, or do you have to stick with him (and pay for anything the "retainer" doesn't cover)?
What is NOT covered, Any expenses associated with investigators, expert wtnesses, witnesses, or other persons necessary to assist in the defense of the case, bail bonds, or other court fees, in any.
This would not be a trivial cost, and I would think that if your self-defense shooting were "messy enough" that you are facing charges over it, you are going to be needing more than just your attorney's time. The Armed Citizens Legal Defense Network LLC
addresses some of this "gap", but doesn't look like to me the cover full freight on it either.